@Oberg Insurance we progress together.
Yesterday’s craftsmen have given purpose to generations of today’s business men and women. From imagination to innovation American business can make it up, then make it happen. There are 30.9 million small businesses across the land. Your business is the thread that holds these communities together. Have you considered the steps to guarantee your enterprise’s longevity?
329 million Americans trust local business to provide freedom of choice. Business acumen is the mechanism of operation to deliver exacting standards. Business insurance is the mechanism to protect you, community commerce and every customer’s expectation of quality.
Simply put, being an entrepreneur is a rewarding undertaking. I would imagine most business owners are quite cautious while servicing their business base. You’ve carefully grown a client base through diligent business practices. There are many conscientious craftsmen who don’t consider business insurance an aspect of operations and just considered it an unnecessary expense. However calamity can rear its ugly head under the most unlikely of circumstances. We all wish we could reboot 2020 because it got a virus. Were you prepared for this latest downturn?
One of the things business owners need to do is purchase business insurance. The two most common business lines are the optional Business Liability Insurance or, if you have employees, the Connecticut mandatory Workers Compensation Insurance. There are many policy add-ons that fit your industry*. Let us help you choose the options that may be prudent to your type of business. Business insurance is designed to ensure your capitalized endeavor won’t be threatened by conditions that lie outside of recognised benchmarks.
Let Oberg Insurance cover all aspects of your growing venture
Oberg Insurance has been in operation for 30 years. We’ve securely kept our business insurance in force to date. We’ve issued tons of certificates of insurance protections but we rarely see customers making claims against business guarantees. The real risks are the ones that cripple business operations. Consider this brief sampling of examples. Stolen or damaged tools, interruption of business, errors and omissions or losses based on lack of materials.
Our A+ carriers offer a wide variety of insurance products. If the thought of choosing the best combinations of coverage and features feels overwhelming, consider these aspects when considering protection to cover your business.
Big box insurance companies offer fewer options.
A reputable Independent Insurance Agent has access to many companies and coverage options.
Scrutinize the potential risk to your Industry.
Stay away from dishonest brokers whose only focus is to stack on impractical policy add-ons. There are specific guarantees that work for your industry. Familiarize yourself with common risks that face your business.
Be aware of the laws and regulations enacted by legislation.
Most states have varying laws and regulations when it comes to the types of coverage businesses should carry. For instance, some states require business owners to carry General Liability insurance. Connecticut requires employers to get Workers Compensation coverage. Comply with the state’s legal requirements to minimize any issues in the future.
Pick an insurer who can communicate, in simple terms, coverage details.
Read your business policy thoroughly. Business policies are legal contracts that can be rife with exclusions. Licenced Insurance Agents are certified professionals. That means we are regularly tested to make sure we’re familiar with the products we offer. (If you have questions, we have the answer.) Verify your policy details before signing.
Display your credentialed status on everything.
There are numerous trusted database services that seek to bolster consumers’ certainty. Reputation credentials are part of the pre-sale search process. Today’s savvy consumers seek to establish qualification and security guarantees before they hire you for the moments that matter. Even the largest search resource now offers the Google Guaranteed branding for particular services who continue to keep insurance active.
We recognise your local business is unique. That said, coverage options are too numerous to list here. Policy add-ons tend to be offered À La Carte. Enable what you need, leave the rest. If you’re considering buying a business policy, jump over to our FAQ’s for business coverage for more insight. Then request a quote.
The right business Insurance will protect your community venture today. It’s not how much you make, it’s how much you keep. Schedule a business consultation with an Oberg Insurance expert. We’re here to help.
